someone had a great christmas at my expense

[Ahbroody]

Exactly. Then the do what's called skinning. Where they program a card with your info and use it as a cc they didn't have the pin so all purchases were run as credit card. They signed for the purchase that's why they could do it as the card can have anyones name on it that the choose. Its like a fake skin. Skimming os where they get the info, then they make a skin of your card with a different name and use it like a cc